Balance-Only Net Worth
A minimal net-worth tracker that only records balances, not transactions
- Problem
- After six months of logging every transaction people still cannot say how much they actually have; one missed entry breaks reconciliation, and month-end checking costs more than bookkeeping. Onboarding that forces users to create bank, wallet and brokerage accounts first drives many away.
- Solution
- Flip the model and record balances only: assets become cards, and updating each balance monthly produces net worth, trends and asset allocation. Users can log an amount without creating accounts first, with an optional monthly review checklist that explains what changed.
- Users
- Salaried workers, freelancers and homeowners with mortgages and investments who want net worth visibility without transaction logging
- MVP
- Card-based assets and liabilities; balance-only entries; net worth and allocation charts; quick start without accounts; CSV export and sync
- Revenue
- Free tier plus annual subscription or lifetime unlock for multi-currency, quotes and widgets
- Why now
- Finance apps force transaction logging and bleed users; cross-platform native frameworks let one person ship both iOS and desktop cheaply